Mobile wallet payment method based on optimal NFC relay

A mobile wallet, the best technology, applied in the field of mobile wallet payment based on the best NFC relay, can solve the problems of time-consuming, consumer economic interests threat, information security leakage, etc.

Inactive Publication Date: 2016-07-20
NINGBO UNIV
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] When consumers finish shopping in the mall and use their NFC mobile wallets to queue up at the POS settlement terminal in the mall to pay for the purchased goods, it often takes a lot of time to complete the mobile payment due to the large number of people in the queue.
In addition, in shopping malls, due to the dense crowd, the existing NFC payment still has the risk of information security leakage or a ma

Method used

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  • Mobile wallet payment method based on optimal NFC relay
  • Mobile wallet payment method based on optimal NFC relay
  • Mobile wallet payment method based on optimal NFC relay

Examples

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Embodiment Construction

[0059] The present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments.

[0060] The mobile wallet payment method in this embodiment is used by a mobile wallet with NFC function, a POS settlement terminal with NFC function, an NFC relay fusion center, N (N≥3) NFC relay terminals, certification agencies and bank accounts The payment system composed of the management platform, the payment system can be found in figure 1 shown. Among them, see figure 2 As shown, in the present embodiment, the mobile wallet payment method based on the best NFC relay includes the following steps successively:

[0061] Step 1. The POS settlement terminal and mobile wallet send visa requests to the bank account management platform respectively, and the bank account management platform generates financial visa certificates for the POS settlement terminal and mobile wallet respectively, and sends the financial visa certificates to the POS...

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Abstract

The invention relates to a mobile wallet payment method based on an optimal NFC relay. The method comprises the following steps: a POS payment terminal and a mobile wallet respectively acquiring corresponding current position, current position air humidity, current position noise and acquiring noise time, and transmitting the acquired data to an authentication mechanism; the authentication mechanism, based on a position difference of two parties, determining that when the two parties are at a safe trading distance therebetween, through a noise difference in the periphery of the two parties and a time difference, no potential threat in disguise of a malicious third party is in presence in the environment where a payment transaction is placed, and in the aftermath utilizing the air humidity difference of current positions to further determine that the two parties are at the same position, then the authentication mechanism generating a trading secret key of the two parties, the mobile wallet, based on a database constituted of left and right hand pressing pressures of a legitimate owner and historic characteristic pressure waves upon payment, determining identify determination conditions of a payment operator, and safely finishing the payment trading with the optimal NFC relay selected by an NFC relay convergence center as a hinge for realizing the expansion of communication distance.

Description

technical field [0001] The invention relates to the field of mobile payment, in particular to a mobile wallet payment method based on an optimal NFC relay. Background technique [0002] In recent years, with the continuous popularization of mobile payment in the field of financial payment, NFC payment technology based on Near Field Communication (NFC for short), as a key implementation form of mobile payment, has rapidly emerged. Smart terminals with built-in NFC function modules have NFC payment functions, and smart terminals with NFC payment functions are also called NFC mobile wallets. [0003] When consumers finish shopping in the mall and use their NFC mobile wallets to queue up at the POS settlement terminal in the mall to pay for the purchased goods, it often takes a lot of time to complete the mobile payment due to the large number of people in the queue. In addition, in shopping malls, due to the dense crowd, the existing NFC payment still has the risk of informati...

Claims

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Application Information

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IPC IPC(8): G06Q20/32G06Q20/20G06Q20/38G06Q20/40
CPCG06Q20/3278G06Q20/206G06Q20/382G06Q20/40145
Inventor 郑紫微陈平顺
Owner NINGBO UNIV
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